Insurance Advice
Life Insurance
Life insurance is a type of insurance policy that pays out a sum of money to your loved ones if you were to pass away during the policy term.
It's important to have life insurance to provide financial security for your family in the event of your death, particularly if you are the primary earner or have dependents who rely on your income.
At J Finance, we will carry out an expert analysis of your protection needs and provide you with the right advice.
Remember that protecting your income or providing life assurance or health cover need not be expensive.
Income Protection
Income protection is a type of insurance policy that provides you with a regular income if you are unable to work due to illness or injury.
This type of cover can help you maintain your standard of living and meet your financial obligations, such as mortgage or rent payments, bills, and other expenses.
Income protection typically pays out a percentage of your pre-tax income for a set period of time, or until you are able to return to work.
This may be particularly important if you are self-employed or if your employer does not offer a sick pay policy above and beyond Statutory Sick Pay.
Critical Illness Cover
Critical illness cover is a type of insurance policy that pays out a lump sum of money if you are diagnosed with a critical illness, such as cancer or a heart attack.
This type of cover can provide financial support during a difficult time, allowing you to focus on your recovery without worrying about the loss of income and what this may mean.
As the illnesses covered, and amounts paid out, can vary from insurer to insurer, it is exceptionally important to receive advice on the subject and ensure you end up with a policy that best meets your needs, not simply what appears at the top of a price comparison website.
Other Insurance & More Information
There are many things that can impact what cover you may be eligible for and the cost of the policy. From your job, to your health including family history and whether or not you smoke or vape. It is vitally important to get the right policy and the best chance of it paying out when you need it most. We can help with this!
There are many other types of insurance, and the below is not an endless list.
Some policies may be handled by third parties, rather than in house and we will make this clear to you; we can assist with:
Home Insurance, Family Income Benefit, Private Medical Insurance, Business Protection, Key Man Insurance, Relevant Life Insurance and more!